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Alisa Pankki
Alisa Pankki (ALISA) investor relations material
Alisa Pankki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Strategic exit from consumer lending completed in December 2025, with a significant portion of the portfolio sold, resulting in a one-off gain of EUR 2.4 million and a one-off write-down of EUR 0.8 million in capitalized development costs.
Focus shifted to SME banking and invoice financing, with strengthened sales and marketing and new partnerships, including a cooperation agreement with Nordea.
Operating income decreased to EUR 14.9 million from EUR 17.0 million year-over-year, while operating expenses increased to EUR 13.7 million from EUR 12.8 million.
Profit before taxes was EUR -2.1 million (2024: EUR -1.3 million), and profit before non-recurring items and taxes was EUR -3.4 million (2024: EUR -0.1 million).
Financial highlights
Net interest income fell to EUR 12.3 million (2024: EUR 15.1 million), mainly due to the reduction and sale of the consumer loan portfolio.
Net commission income decreased to EUR 1.4 million (2024: EUR 1.8 million).
Realized and expected credit losses dropped to EUR 3.3 million (2024: EUR 5.5 million).
Cost-to-income ratio rose to 92% (2024: 75%).
Return on equity (ROE) was -5.9% (2024: -3.9%).
Loan portfolio shrank to EUR 58.9 million (2024: EUR 149.5 million); deposits decreased to EUR 256.5 million (2024: EUR 394.6 million).
Outlook and guidance
2026 focus is on growing SME financing volumes and expanding SME banking services through partner channels.
Withdrawal from consumer business will further reduce income, expenses, and credit losses in 2026.
Profit before non-recurring items and taxes expected to remain negative in H1 2026, with profitability improvement and a positive result anticipated in H2 2026.
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Next Alisa Pankki earnings date
Q2 202621 Jul, 2026
Alisa Pankki
Next Alisa Pankki earnings date
Q2 202621 Jul, 2026
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Frequently asked questions
Evli Bank Plc provides retail and corporate banking services through its subsidiary, Evli Pankki Oyj. As from 1 July 2013, Evli Pankki is a wholly owned subsidiary of Fellow Bank Plc. The responsibility for Evli’s liabilities arising before 1 July 2013 has been assumed by Evli Bank Plc. Carl Ahlström, Henrik Andersin, Roger Kempe and Thomas Thesleff established Evli Securities Ltd in 1985. Evli grew rapidly between 1980 and 1990, and had established its position by the early 2000s. In 2005 and 2006, Evli changed its strategy, with the aim of focusing its business operations especially on providing individual asset management services to its key client groups.
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